Best Citizens Pay Apps

224+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated July 2026

Citizens Pay is the household name in citizens pay, but it's far from the only option. We track 224+ alternatives and competitors on iOS โ€” many free, many higher-rated than you'd expect.

Compare top Citizens Pay Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Citizens PayCitizens PayFree4.9โ˜… (14K)NoNoAug 2026
2CTZPayCTZPayFree3.9โ˜… (74)NoNoMay 2026
3Citizens Bank Mobile BankingCitizens Bank Mobile BankingFree4.8โ˜… (737K)NoNoAug 2026
4Citizens AccessCitizens AccessFree4.9โ˜… (11K)NoNoAug 2026
5Tamara | Own your DreamTamara | Own your DreamFree4.7โ˜… (59K)NoNoAug 2026
6Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9โ˜… (296K)NoNoAug 2026
7Perpay - Shop and Build CreditPerpay - Shop and Build CreditFree4.9โ˜… (11K)YesNoAug 2026
8Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9โ˜… (1.7M)NoNoAug 2026

Top Picks for Citizens Pay

Citizens Pay#1

Citizens Pay by Citizens Bank, N.A.

Editor's Choice
๐Ÿ’ฐ Finance
4.9๐Ÿ˜(14K ratings)
Free
Citizens Pay screenshot 1
Citizens Pay screenshot 2
Citizens Pay screenshot 3
Citizens Pay screenshot 4
Citizens Pay screenshot 5
Citizens Pay screenshot 6

Manage your Citizens Pay accounts securely and conveniently from your mobile device. Access statements, schedule payments, and set up automatic payments. Stay informed about your account balance and transaction history.

What We Love

  • ๐Ÿ’ณ Easy and convenient payment
  • ๐Ÿ•ฐ๏ธ Able to pay early or set up auto-pay
  • ๐Ÿ‘ Seamless application process
  • ๐Ÿ™ Understanding and patient with customers

Room to Improve

  • ๐Ÿ› App freezes or crashes frequently
  • ๐Ÿ”‘ Login issues, unable to log in
  • ๐Ÿค– Widget doesn't work in dark mode
CTZPay#2

CTZPay by CAPITAL CONNECT LIMITED

CTZPay
Strong Contender
๐Ÿ’ฐ Finance
3.9(74 ratings)
Free
CTZPay screenshot 1
CTZPay screenshot 2
CTZPay screenshot 3
CTZPay screenshot 4
CTZPay screenshot 5
CTZPay screenshot 6

This lifestyle application facilitates digital payments for everyday needs like bills, top-ups, and transfers. It also allows users to purchase bus tickets and access exclusive rewards and loyalty promotions.

Citizens Bank Mobile Banking#3

Citizens Bank Mobile Banking by Citizens Bank, N.A.

Worth Considering
๐Ÿ’ฐ Finance
4.8๐Ÿ˜ž(737K ratings)
Free
Citizens Bank Mobile Banking screenshot 1
Citizens Bank Mobile Banking screenshot 2
Citizens Bank Mobile Banking screenshot 3
Citizens Bank Mobile Banking screenshot 4
Citizens Bank Mobile Banking screenshot 5
Citizens Bank Mobile Banking screenshot 6

Manage your finances conveniently from your mobile device. View account balances, deposit checks with photos, transfer funds securely, and pay bills all in one place. Your accounts are protected with a banking guarantee.

What We Love

  • ๐Ÿ’ป Mostly good banking app
  • ๐Ÿ‘ Love the App

Room to Improve

  • ๐Ÿ› Crashes and bugs non stop
  • ๐Ÿ” App is clunky, needs lots of work
  • ๐Ÿ”’ Puzzle to Access

More Citizens Pay apps to explore

4
Citizens Access
Citizens Access
Citizens Access
by Citizens Bank, N.A.
Free

Manage your finances conveniently from your mobile device. Access your CD and Savings accounts 24/7, view statements and transaction history, and easily transfer funds in and out.

24/7 secure account accessView account summaryAccess statements
๐Ÿ’ฐ Finance
(11K)
free
5
Tamara | Own your Dream
Tamara | Own your Dream
Tamara | Own your Dream
Pay in up to 24, No late fees
Free

This financial super-app offers flexible payment options, allowing you to shop now and pay later in installments or in full. Enjoy exclusive deals, cashback rewards, and buyer protection for a secure and seamless shopping experience.

Pay in installments or in fullSign up in minutesShop at thousands of partners
๐Ÿ’ฐ Finance
(59K)
free
6
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Pay in 4 & Earn Rewards
Free

This app allows you to buy now and pay later with interest-free installments over six weeks. Easily split purchases into four payments, manage your budget, and discover exclusive deals from thousands of retailers. Enjoy a seamless shopping experience with flexible rescheduling options and instant approval.

Buy now, pay laterPay in 4 interest-free installmentsNo interest or hidden fees
๐Ÿ›๏ธ Shopping
(296K)
free with in-app purchases
7
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Shop, pay later, build credit
Free

Access up to $1,000 to shop for various goods and pay over time with no interest or fees. Build your credit history by reporting your payment activity to credit bureaus. Apply for a credit card with rewards and no annual fee.

Access up to $1,000 to spendShop top brands on marketplacePay over time with no interest/fees
๐Ÿ’ฐ Finance
(11K)
free with in-app purchases
8
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Flexible payments, big savings
Free

This app allows users to pay for purchases over time with flexible payment options. It offers clear payment plans, deals, and the ability to set up automatic payments. Users can also apply for a card to use anywhere Visa is accepted for convenient installment payments.

Pay over time online and in-storeFlexible payment optionsDiscover 0% APR deals
๐Ÿ›๏ธ Shopping
(1.7M)
free with in-app purchases
9
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Cashback, payments, savings
Free

Shop anywhere with flexible payment options, including interest-free installments and pay-in-30-days. Earn cashback, compare prices, track deliveries, and manage returns easily. Also offers mobile phone service.

Flexible payment optionsInterest-free installmentsUp to 10% cashback
๐Ÿ’ฐ Finance
(2.3M)
free with in-app purchases
10
CTZPay Partner
CTZPay Partner
CTZPay Partner
CTZPay Partner
Free

This app enables businesses to accept digital payments, increasing revenue and customer satisfaction. It facilitates cash-in and cash-out transactions, allowing partners to manage their transaction history and collaborate with a network of businesses.

Accept digital paymentsEarn revenue from cash-in/outQR code payments
๐Ÿ’ฐ Finance
(7)
free
11
Citizens Bank LC Mobile
Citizens Bank LC Mobile
Citizens Bank LC Mobile
by Citizens Bank of Las Cruces
Free

Manage your finances on the go with this secure and convenient mobile banking app. Organize transactions, set up alerts, make payments, transfer funds, deposit checks, and manage your debit card. Access statements and find nearby ATMs.

Organize transactions with tags, notes, and photosSet balance alertsMake payments and transfer money
๐Ÿ’ฐ Finance
(1.6K)
free
12
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Shop Now & Pay Over Time
Free

Split purchases into 4 or 8 interest-free installments, paid bi-weekly. Use online or in-store with a virtual or physical card. Earn cashback and potentially increase spending power with on-time payments.

Split payments into 4 or 8 installmentsBi-weekly payment scheduleVirtual and physical payment cards
๐Ÿ›๏ธ Shopping
(846K)
free with in-app purchases
13
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
Flexible Shopping & Payments
Free

Shop your favorite online stores and split purchases into four interest-free payments. Manage all your orders and payment schedules in one convenient app, with optional upgrades for exclusive benefits.

Split purchases into 4 paymentsPay every two weeksManage orders in one app
๐Ÿ›๏ธ Shopping
(112K)
freemium
14
Citizens Financial
Citizens Financial
Citizens Financial
by Citizens Financial
Free
๐Ÿ’ฐ Finance
(0)
15
Citizens Bank-WI
Citizens Bank-WI
Citizens Bank-WI
by Citizens Bank WI
Free

Manage your finances on the go with this banking app. Organize transactions with tags and notes, set balance alerts, and easily make payments or transfer funds. Deposit checks, reorder cards, and find nearby locations securely.

Transaction organization with tags, notes, and receipt photosCustomizable balance alertsPeer-to-peer and company payments
๐Ÿ’ฐ Finance
(1.8K)
free
16
Citizens Bank of Kansas Mobile
Citizens Bank of Kansas Mobile
Citizens Bank of Kansas Mobile
by Citizens Bank of Kansas, N.A
Free

Manage your finances on the go with this mobile banking app. Check balances, transfer funds, pay bills, and deposit checks using your device. Locate nearby branches and ATMs with ease.

Check account balancesSearch recent transactionsTransfer funds between accounts
๐Ÿ’ฐ Finance
(3)
ad-supported
17
Centex Citizens Credit Union
Centex Citizens Credit Union
Centex Citizens Credit Union
by Centex Citizens Credit Union Inc
Free

Manage your finances conveniently and securely from your mobile device. Check balances, review transactions, transfer funds, and pay bills anytime, anywhere. This app offers peace of mind with industry-standard security measures.

Check account balancesView transaction historyTransfer funds
๐Ÿ’ฐ Finance
(687)
free with in-app purchases
18
CitizensBank24
CitizensBank24
CitizensBank24
by Citco Community Bancshares, Inc
Free

Manage your bank accounts on the go with this mobile banking app. Check balances, view transactions, deposit checks remotely, transfer funds, and pay bills securely. It's a free service for existing digital banking customers.

Check account balancesView recent transactionsRemote check deposit
๐Ÿ’ฐ Finance
(1.2K)
ad-supported
19
Suave: Buy now, pay later.
Suave: Buy now, pay later.
Suave: Buy now, pay later.
Easy shopping.
Free

Shop for items you need and pay them off over time with flexible monthly payment plans. Get prequalified instantly, then use the app to manage your purchases and payments at your favorite stores.

Pay in 4, 6, or 12 monthly installmentsInstant prequalificationShop at favorite stores
๐Ÿ›๏ธ Shopping
(709)
free
20
Acima: Lease Now & Buy Later
Acima: Lease Now & Buy Later
Acima: Lease Now & Buy Later
Easy Leasing & Payment Options
Free

Lease the items you need without perfect credit. Get approved for up to $4,000 in merchandise like furniture, electronics, and appliances. Shop at thousands of stores or online and make easy payments.

Lease without perfect creditApproved for up to $4,000Shop at thousands of stores
๐Ÿ›๏ธ Shopping
(26K)
free

FAQ about Citizens Pay

What are the best citizens pay apps for iPhone?
Citizens Pay tops our citizens pay apps ranking as of July 2026, with a 4.9-star average from 14K App Store ratings, and it's free to download.
Yes โ€” 20 of the top citizens pay apps we rank are free to download, including Citizens Pay and CTZPay.
Citizens Pay has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 224+ citizens pay apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
The app allows you to manage your Citizens Pay accounts securely from your mobile device. You can access your accounts 24/7, view PDF statements, schedule one-time payments, and set up automatic payments through Auto Pay. It also provides real-time information on your account balance, transaction history, and purchase balance.
You can turn on Auto Pay within the app to have your monthly installment paid automatically from your bank account. This feature ensures you never miss a payment and simplifies your bill management.